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Ellen
Ellen, Attorney
Category: Bankruptcy Law
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Experience:  Bankruptcy Lawyer. Experienced.
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What form do I use in Colorado to file a request to get a loan

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What form do I use in Colorado to file a request to get a loan modification on my mortgage. Filed CH7
Submitted: 6 years ago.
Category: Bankruptcy Law
Expert:  Ellen replied 6 years ago.
Hello,

Thank you for your question. I am happy to assist you.

I am a lawyer with 25 years experience. While I am permitted to provide you with legal information, I am prohibited by JustAnswer.com and various state bar associations from giving legal advice, representing you or entering into an attorney-client relationship through this open and nonconfidential forum.

When was your chapter 7 bankruptcy discharged? How far behind are you on the mortgage payments?
Customer: replied 6 years ago.

2 payments

Nov 2010

Expert:  Ellen replied 6 years ago.

You will need to contact the lender directly to request a mortgage modification. They will provide you with a specific forms that you will need to complete.

The first thing to be aware of is that a lender is not going to modify a fully performing loan. You will typically need to be at least 90 days behind before they will discuss modification. They will only modify to mitigate their risk . As long as you are paying or near up to date, they have no incentive to modify
Customer: replied 6 years ago.

I did the modification forms for the HAMP program. I keep getting the run around with them. They told me they need a court permission to do the modification. Which is why I was confused. Thanks, K

Expert:  Ellen replied 6 years ago.
Is your chapter 7 bankruptcy still open? If so you will need to wait until you receive your discharge to complete the modification
Ellen and other Bankruptcy Law Specialists are ready to help you
Customer: replied 5 years ago.
Both Bankruptcys have now been discharged. I keep getting the run around beacuse I am pro se. Oh well I will keep at it.

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